1 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ---------------------- FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report: February 15, 2001 ----------------- CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Virginia 0-25762 54-1719855 - ----------------------------- ---------------- ---------------- (State or other jurisdiction of (Commission (IRS Employer incorporation) File Number) Identification No.) 11013 West Broad Street Road, Glen Allen, Virginia 23060 - -------------------------------------------------- -------------- (Address of principal executive offices) (Zip Code) (Registrant's telephone number, including area code): (804) 967-1000 (Former name or former address, if changed since last report): Not Applicable Page 1 of 45 2 ITEM 5. OTHER EVENTS The January 2001 monthly Certificateholder's Statements to investors were distributed February 15, 2001. ITEM 7 (c). EXHIBITS -------- The following are filed as exhibits to this Report under Exhibit 20: 1. January performance Summary 2. Series 1996-1 Class A and Class B Certificateholder's Statements for the month of January 2001. 3. Series 1996-2 Class A and Class B Certificateholder's Statements for the month of January 2001. 4. Series 1996-3 Class A and Class B Certificateholder's Statements for the month of January 2001. 5. Series 1997-1 Class A and Class B Certificateholder's Statements for the month of January 2001. 6. Series 1997-2 Class A and Class B Certificateholder's Statements for the month of January 2001. 7. Series 1998-1 Class A and Class B Certificateholder's Statements for the month of January 2001. 8. Series 1998-3 Class A and Class B Certificateholder's Statements for the month of January 2001. 9. Series 1998-4 Class A and Class B Certificateholder's Statements or the month of January 2001. 10. Series 1999-1 Class A and Class B Certificateholder's Statements for the month of January 2001 11. Series 1999-2 Class A and Class B Certificateholder's Statements for the month of January 2001 12. Series 1999-3 Class A and Class B Certificateholder's Statements for the month of January 2001 13. Series 2000-1 Class A and Class B Certificateholder's Statements for the month of January 2001 14. Series 2000-2 Class A and Class B Certificateholder's Statements for the month of January 2001 15. Series 2000-3 Class A and Class B Certificateholder's Statements for the month of January 2001 16. Series 2000-4 Class A and Class B Certificateholder's Statements for the month of January 2001 17. Series 2000-5 Class A and Class B Certificateholder's Statements for the month of January 2001 Page 2 of 45 3 18. Trust Excess Spread Analysis SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned there-unto duly authorized. CAPITAL ONE MASTER TRUST By: CAPITAL ONE BANK Servicer By: /s/ David M. Willey ----------------------------------- David M. Willey Senior Vice President of Corporate Financial Management Date: February 15, 2001 Page 3 of 45 4 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 -------------------- EXHIBITS TO FORM 8-K CAPITAL ONE MASTER TRUST CAPITAL ONE BANK (Exact name of registrant as specified in its charter) Page 4 of 45 5 INDEX TO EXHIBITS SEQUENTIALLY EXHIBIT NUMBERED NUMBER EXHIBITS PAGE - ------- -------- ------------ 1 January performance Summary 07 2 Series 1996-1 Class A and Class B Certificate- holder's Statements for the month of January 2001 09 3 Series 1996-2 Class A and Class B Certificate- holder's Statements for the month of January 2001 11 4 Series 1996-3 Class A and Class B Certificate- holder's Statements for the month of January 2001 13 5 Series 1997-1 Class A and Class B Certificate- holder's Statements for the month of January 2001 15 6 Series 1997-2 Class A and Class B Certificate- holder's Statements for the month of January 2001 17 7 Series 1998-1 Class A and Class B Certificate- holder's Statements for the month of January 2001 20 8 Series 1998-3 Class A and Class B Certificate- holder's Statements for the month of January 2001 23 9 Series 1998-4 Class A and Class B Certificate- holder's Statements for the month of January 2001 26 10 Series 1999-1 Class A and Class B Certificate- holder's Statements for the month of January 2001 29 11 Series 1999-2 Class A and Class B Certificate- holder's Statements for the month of January 2001 31 12 Series 1999-3 Class A and Class B Certificate- holder's Statements for the month of January 2001 33 13 Series 2000-1 Class A and Class B Certificate- holder's Statements for the month of January 2001 35 14 Series 2000-2 Class A and Class B Certificate- Page 5 of 45 6 holder's Statements for the month of January 2001 37 15 Series 2000-3 Class A and Class B Certificate- holder's Statements for the month of January 2001 39 16 Series 2000-4 Class A and Class B Certificate- holder's Statements for the month of January 2001 41 17 Series 2000-5 Class A and Class B Certificate- holder's Statements for the month of January 2001 43 18 Trust Excess Spread Analysis 45 Page 6 of 45